Hi everyone, again I wasn't sure if this would offer any value but several of you asked for this video and enjoyed the laid back more chatty approach in my 'What I spent in 2021' video. As always my reasons will be different to yours, my priorities will likely be different to yours too - and that's totally fine! The whole point of saving for me, and of scrutinizing the way I spend, is to get the best value I can from my money, things that will truly add to or improve my life.
I really liked this video and it’s always nice to see how other people prioritize spending their money. We’ve had a series of unexpected house expenses come up already this month so I’m reevaluating what we were planning to spend on and deciding if that is going to stay in the budget or maybe wait until later. As someone who bought a house in 2019 with plans to redo the kitchen, I’d strongly suggest waiting until the rest of the house has come together. We found that a few small tweaks to the kitchen were really all it needed to be charming old instead of funky old, once the rest of the house was done to our style. But definitely go ahead and get a dishwasher, those things are lifesavers!
Thanks Adrienne, glad you enjoyed it. Yes life tends to throw curveballs at us! I had in my head that I didn’t need much in the way of clothes but after trying a few things on the other day I realised I had a lot of clothes - ones that I just won’t wear 🤦♀️😂 so I will need to allow some spending here. Yes no plans to do anything immediately. I think a lot of home improvement channels and Instagram accounts have taken off recently and almost normalised doing things immediately. I do truly think it’s best to wait at least a year so you learn how you use the space through the seasons. The flooring will need doing at some point (there’s a few cracked tiles) and when that is done I will look at any changes needed. But I don’t really know what I want yet truth be told and I probably made it sound worse than it is. It sort of suits the house and isn’t a million miles away from what I would chose anyway. Xx
This was another great video! We also took a year to just live in our house - make notes on things we wanted to change entirely, things that needed simple updates and then we took a couple years for our outdoor living space planning. It was more expense planning and saving over a year that really helped us know what we would spend vs “dream spend” and that way we didn’t go into debt.
Aww thank you! I think you don’t realise when you first move in which bits you really care about etc. For example when I moved in I pretty much lived in the kitchen (it has a conservatory area off it with a sofa etc), I could have the doors open so the dogs could come and go as they pleased and the garden is lovely and private so it was really nice. I even found myself working from the kitchen table. Then I was thinking I should blow the budget in that area as I spent so much time in it. However since December I’m in the living room or dining room all the time and only go in the kitchen to cook or to make a cuppa! Anyway this is a long winded way of saying I know it’s better to wait and not let enthusiasm get the best of me 😊
This was thought provoking for me. Thank you! Just bought my first home 2 months ago & I’ve notice I am spending more are decorating etc. Your video made me realize to set priorities & put the breaks on it, sit in my house for four seasons before big decisions & investments (great tip!!) & use the time to plan. I think a lot of my expenditure toward home decor/ new furniture comes from “well what are people going to think” of me if they are sitting for example at my old kitchen table instead of a nice dining room table with matching pieces in my new dining room (a new space for me!) where in actuality My friends would understand & not judge as I take my time to save, plan & buy in stages. ❤️😊
Hi Destiny, apologies for not replying sooner, I don't always get notifications. Congrats on buying your house, that's fantastic :) Yes I totally believe in taking your time if you can, If you have just one room that's somewhat how you want it (doesn't have to be perfect) then its a place to escape to when renovating. In my first flat I had just my bedroom done for months, and the TV in my lounge was perched on a low coffee table for a long time lol. It wasn't perfect but through waiting, I actually still have and use most of the furniture I bought then, 12 years ago because I waited for things I truly liked. And you are so right, true friends don't really care or judge, besides we all like different things anyway. Good luck with your renovations, I'm sure it will come together in the end :) x
It was so interesting to hear all of the things you’ve been thinking about. It’s amazing once you put pen to paper how much chaos gets lifted from the mind 🤗☺️
Hi Kirsty, loved this video as it gave me things to think about with my own budgeting. I agree that living with your home and garden for a full cycle of seasons is wise. I did this with my own garden here in Australia, and it was interesting to see how the sun moved around the property, which areas got a bit water-logged when it rained etc...It saved me a lot of expensive planting mistakes. Wouldn't it be wonderful if lots of lovely plants came up in the spring - fingers crossed! I also waited before renovating the house, and again this paid off as I could see how light rooms were in different seasons (it varied hugely) and also take note of any issues that might not be obvious at the time of purchase. My house is older - 1890s, and had been a rental for years. Some things did come up that weren't apparent when the building was inspected (plumbing and electrical issues) so it can be prudent to have a bit of money put by just in case. That said, in other old homes I've bought there were no issues at all.
Ahh same era as mine, mine was built in 1895 :) Thankfully the house is in beautiful condition ( a few things here and there as expected with old houses) but there's always something that pops up. The downside of being a home owner I guess!
Hi Kristy, I have been watching your videos for a couple of months now and your videos are so informative, inspiring & helpful to me, I love how you dissect & think everything through & then set goals. Love your channel! 👍😌
Very helpful vlog. I moved end of Sept last year, to a slightly bigger house, so I am short on some furniture, but none of it is urgent. I can live like this no problem. Your no spend year vlog gave me the motivation to save hard this year and budget carefully every month. That way, next year I will have lived here a 12-18 months and know what I want and what works, and what’s a priority and what isn’t. I have a dishwasher in this house and I saw I am using it a lot more than I thought. It’s only me here, and I run it every 2 days. It’s a slimline Bosch one. You can adjust the bottom rack so the plate holder folds down, and put pots and pans in. Always gets everything clean, and no dishes in the sink. Makes the kitchen look tidy as it’s all out of sight. Thanks for sharing.
Hi Sofia! I can relate, so much of the urgency is just what we place on ourselves. Better to take our time and get the right items than rush and then want something different later. Yes I had a dishwasher at my rental place and used it such a lot, I think that’s one of the reasons I notice it so much now. I’ll get one eventually for sure, likely this year and that will help kick the can down the road for any kitchen renovations. Xx
Hi Kirsty, I came across your channel yesterday and I’ve already found it really useful and inspiring, it’s helpful to see Northern women of a similar age achieving big goals and sharing their experiences:)
I love your videos, I am following you from Finland, I have been always very tight with my money but lately, I am a bit extra because I want to cut hours from work and be able to stay at home, I am like you a homebody, around me there are no many people that support my idea, they normally say, you need to have a life, so I like to watch your videos because I do not feel alone.
Hi Esther, hope all is well in Finland. I understand your wanting to reduce hours. I think for me it is a realisation that life can be very short (I’ve lost a few uncles quite young over the last 5-10 years) and I hate the idea of never having had time to do the things that bring joy and instead filling life with stress. That said we are all different and all have different values so its not unexpected that not everyone will understand, I think that’s where trying to learn to not care what others think can help (something I’m forever working on!) Thanks for watching, I really hope you don’t feel alone too much xx
I loved this video!! You can not even imagine the effect that hearing your thought process will have in my plans! I always make the list for the things I want or need but never expande on that like what can I use instead or if they can be second hand, of if I can sell the old model for the newer one. And I end up stuck because I mostly want to save so I end up not having a plan for the stuff on the list (like a desk, since I’ve been working from home)… Thank you so much
Second hand is awesome! And even better some people give the most amazing stuff away for free! My brother has found some ridiculous things for free on places like Facebook marketplace in the past. I know people who get rid of all their furniture every time they redecorate - and they do it every other year. So there’s tons of stuff out there that’s barely has much use! Really pleased it helped you out, I’m never sure with these sorts of videos. X
Definitely wait and see what comes up in the garden! An older garden will probably have lots of spring bulbs and early summer perennials like peonies to surprise you!🌷🌷 It's also good to see where the sunny and shady spots are over the year to really help with planning any changes. I buy second hand scruffy indoor dining tables very cheaply, give a coat of outdoor paint and they last a good few years in the garden.. So much cheaper than outdoor furniture. 😊😊
I definitely think there’s probably a few lovely plants that I don’t know are there (I only viewed twice before I got the keys ha ha), am happy with the decision to wait now. I have a small amount of outdoor furniture so can certainly manage for at least this coming summer - but yes I’ve often utilised items in other spaces so it’s a great shout. I have a wooden rocking chair that I treated and painted with outdoor furniture paint and it’s great, several years and still going strong 😊
I have been on a no purchase and decluttering journey for two months now😊it feels fantastic. I stumbled across your channel and absolutely love your content. Thank you 🙏
Another great video! One of my mottos is that "sometimes you gotta say it out loud." You doing that here, I think, helped you to tweak what you had put together to share on your channel. Hold off a bit on that kitchen and garden! You are authentic, smart and confident and your ability to voice your ideas is wonderful. I am pretty good on paper, not so much verbally; thoroughly enjoy listening to you. You get me thinking and make me want to get better at taking care of my life properly, and in a way that benefits me in all the best ways. I laugh when you say "first world problems," as one of my friends says that as well. We know we are fortunate, I think, to be born where we were born and to live in this time, yet if we didn't strive to make ourselves and our lives better, what are we here for? Thank you for your good work here!
I get some odd messages from people saying I didn’t no buy hard enough because people in some parts of the world don’t buy anything at all, even soap, and therefore I shouldn’t call my no buy year a no buy year. 🤯 Point being it’s not comparable, you you say you work from where you are and seek to improve, and our starting positions will always be different.
Really helpful video and I love how you take time to justify your ideas and think how you could maybe do things for less expense before jumping in and spending. Thank you for such great tips 🙏❤️
I am building a new home to move into this Spring, so this was very helpful. Even though it’s new, there are many things I need in terms of furniture, rugs, decor items and landscaping. As you discussed, I need to take it slow and manage spending within my budget. Thank you!
Congratulations first of all, but yes I definitely recommend taking your time. I’ve lived in this place a good few months now and whilst certain areas I knew instantly what I wanted to do, others I’ve changed my mind about multiple times. Best to wait and over time you tend to find out what you want/need. And Pinterest is great for ideas whilst you are waiting 😊
I really like the idea of purchasing a few items to expand your wardrobe. I did this by buying a few short sleeve tshirts in crew and v neck styles to help me extend the warmth of my actual tops into spring and autumn :)
Thanks for watching 😊 yes if I can I’d really like to work on finding ways to utilise what I have already. I used to be great at creating outfits (even if I say so myself 😂) so I guess I will just have to tap into my creativity!
Kirsty, I loved you shared your thinking processes, goals, considerations, and waiting. Yes, doing your video was of great value. Thank you. A thought about your couch: a throw and/or pillows. Perhaps there’s designs/types that could match your home’s era.
Glad it was valuable 😊 Thanks for the suggestions, there’s nothing wrong with the colour and has huge cushions as part of the scatter back design. It’s more that the base cushions have sagged and would like a more traditional style. Will probably just leave as it is for another year.
This is the first video of yours I have watched.... really enjoyed! I too have an old style house and we thought the same about the renovations and actually did treat ourselves to a brand new couch. OUCH!! Worst mistake. As soon as we signed and paid for it I felt sick 😫 I alwayget such enjoyment from getting something beautiful that is second hand. We had to wait months to be designed and made up (pre covid) and then our money situation changed and we couldn't get out of this couch purchase. It is a nice couch but it is not a spark joy couch and it is my only regretful purchase and nearly my only brand new purchase in my whole 2 properties we live separately (but together) in.
Hi Tara thanks for watching! I’m so sorry to hear about your bad experience with your purchase. You raise a good point though, money situations can change very quickly and often unexpectedly. Even since I’ve filmed this video I’ve been uncomfortable with some things at work which do not make me feel confident to spend in any way frivolously.
Such a great video - I've recently found your channel and I'm really enjoying the content. As a fairly recent (and super stingy) gardener I'd like to let you know about some gardening things that I learnt as a first time home owner/new gardener. Realise some of them are pretty obvious but I wish someone had told me sooner!! One recommendation I'd give you is try to get as many mature plants from friends/family/neighbours/local Facebook group as you can. These plants have grown so much better in my garden than the ones I bought in garden centres and supermarkets and they're much hardier to cold and hot weather. Geraniums (not the pelargonium variety) are great for growing in rubbish soil and improving the soil quality in a matter of months. If you're doing raised beds I'd post on local groups to see if anyone has any soil/rocks they're looking to get rid of as this will save so much money and you don't need all the soil to be good quality. Lastly, my biggest learning was not starting a compost bin soon enough. If you're considering it and haven't already start a compost bin today!! Mine was pretty cheap but it's taken 1-2 years to get decent compost out of even with using the correct carbon to nitrogen ratios. Also as you were speaking about bulbs I noticed today that a lot of places have discounted bulbs for £1 that have gone over so I'd keep a look out!
Hi there thanks for your comments, some really nice bits of advice here. I’m not a new gardener though, although I must have come across that way. My gran is a prolific gardener so I’ve been potting and sowing seeds and bulbs with her since I could walk 😊 Although I was in rented I became a huge container gardener, managed to grow tons of herbs which I really enjoy, even had carrots, onions, tomatoes, potatoes etc and tons of my favourite-lavender. I’ve utilised a lot of my pots in the new garden and actually changed my plans this year as I want to plan the large border this year, and the square pots have formed ‘raised beds’ that would have cost a lot to build, so have saved a lot there. I also am pretty funny in that I have a huge preference for blue/purple and white flowers - bees can see blue better than any other colour and I just love that. Loads also came up in the beds through spring so it was good to wait and not plough ahead. My dogs, one in particular, are plant tasters so I also plan around what it non toxic to them too. I’ve got some stuff to divide up before spring gets going so that will help. Most of the bulbs I have planned for pots this year are now in, (and ones I planted in the autumn are almost ready to flower 😊) but I’ll be on the lookout for certain things for next year once I plan the large border properly. I want it to be done so there’s always something in flower throughout different months so will take some planning as it is also quite shady in areas. Thanks for taking the time to write all this though, really nice of you.
Thank you for writing back to me. I'm now not sure why I made that assumption, apologies. I was probably just too excited to share my gardening experience with you for your new home. Thank you for sharing more details of your experiences and plans with me, it all sounds so lovely. It's also great to hear that lots of things came up in the beds this year - it's such a beautiful time of year.
@@rosieposie3018 don’t worry - no need to apologise, because I’m still not really sure what I want to do with the space I’m sure I probably came across as a complete newbie. I’m nowhere near as good as my gran but I would say I got into gardening maybe 5 years ago. I’m loving seeing that it’s becoming more popular and it’s great you are so enthusiastic about your home and garden 😊 I have a maple tree and two large weeping acers and all the leaves have just started coming back, spring is lovely, something new happening almost daily in the garden.
I’m 58 and have recently decluttered my wardrobe as I had them over 10 years, I need a change of style for myself. Maybe I want to dress my age, I’m not sure, but I want to be classy and comfortable. 😃 love this video, I needed to hear this as my motivation for saving has got lost recently. I’ve an old house, do wait for remodelling, it will save money, hassle, mess and give you time to decide what you really like!
Yes I’ll be waiting don’t worry 😊 I grew up in old houses and what you can do sometimes affects your plans anyway, and tbh I don’t have the funds for a kitchen remodel right now - plus having been in rented previously you often mull over in your mind what you would do if you owned the house, yet you go back and forth over time so much better to wait and see what will really work for you! Garden project is my focus for this year and well under way, but took my time to decide that too! Thanks so much for watching 🥰
Hi! Just watching your video. Just discovered your channel 😊 Regarding your couch, I refreshed my couch by replacing the foam in the couch cushions. Got the foam on Amazon for about $50, and my couch is like new. Great purchase.
Great video. You are such a mature young woman. I had to chuckle when you said about exploring the English countryside. Before Covid my one big budget item was saving enough to travel to England and spend days, weeks, even months a few times in the English countryside (I am from Canada). It would be my life's dream to live in England and to spend my spare time exploring every part of the country.
It has its charms but like everywhere it has its downfalls too. My cousin lived in Canada when she was younger for a while, she loved it and I have to admit it’s one of the places I would potentially like to visit one day. Hopefully you will get to visit at some point! Xx
It’s nice to hear how you are planning your finances esp with a new house. While everyone’s situation is different, it’s nice to hear others plans and viewpoints to help you make your own
What a wonderful process video! Thank you for discussing the rationale behind saving or spending….I found that I needed to purchase higher end furniture for the garden because my lower cost furniture ( although lovely) just didn’t weather the outdoors well. I also replaced my sofa seat cushions with good quality foam (Amazon) and I was surprised how inexpensive it was to do. So yes, I find that sometimes I can refresh things and sometimes I need more expensive quality items….and I understand the need for a dishwasher! It was the first thing I purchased after moving in with my boyfriend….he is my husband now! Would we have gotten married without a dishwasher?! Hmmmmm……
I know exactly what you mean with some items needing to be of good quality (and yes there is an awful lot of poor quality garden items out there) - the last few years has had me leaning towards ‘less but better’ with a lot of things. But as you say there are some things you can save on with a little imagination and some basic DIY skills. Still don’t have the dishwasher but it’s very high up on the list 😂
I use vinted now and I honestly haven’t purchased anything in the last 10 months from a store. I also sold lots of my previous post baby clothes on vinted and kept the money in that account to buy the new things, so I didn’t really use my own money either. Lots on vinted still have tags too! Loved this video xxx
I’ve seen a lot of people recommend vinted, I’ve never tried it but I’ll have to take a look. I tried Depop a while back and tbh wasn’t that impressed. Friends have done really well on Facebook marketplace for clothes too. I really like the idea of turning clothes you no longer wear into funds for new things you will. It feels guilt free that way! Thanks so much for watching 😊
Absolutely love the breakdown and explanation! Thanks for sharing. One thing to mention about the video itself, is how bothersome that constant cutting out of the audio is. I don’t know if you’re trying to cut out the fuzzy sound when you aren’t talking, or why there are constant audio gaps, but it’s VERY distracting. I kept thinking my connection was cutting out. It was so distracting and bothersome I almost didn’t finish watching. I did, cuz I love your content! If this is out of your control, no worries! But if you’re doing it on purpose whilst editing, please know how distracting it is for your viewers, especially if we’re wearing headphones ❤️❤️thank you again for sharing, this is very inspiring.
Thanks for the feedback Rebecca. This camera makes a very annoying shutter sound all the time and it’s impossible to get rid of it, so I have done some processing to try to reduce it, but perhaps that’s created too much of a difference between speaking. I have a better camera and external mic but it’s more complicated to set up and I’m still not sure on the natural lighting in this house yet, whereas this one alters the light automatically but the sound has issues! Anyway I’ve probably created an issue for the viewer in trying to correct something that bothers me 🤦♀️ I don’t usually listen through headphones after editing but I will do so in the future to see what I can do to resolve this problem 😊
I'm watching this to help me plan my finances for 2023, I enjoy your videos so much thank you! I also wanted to ask you about your nails. Did you allow yourself to get your nails done during your no buy year or only now? Unless you do them yourself!
Hi Lana, I just paint them myself. I treated myself to some Chanel nail polish right at the very beginning of 2020 and still using the same bottles now! Xx I may also do an update to this video for 2023 in the coming weeks if that helps.
I wish I knew to wait at least a year before embarking on remodels and re-decorating projects... several half-dozen projects that were time and money wasters! Live & learn!
I may do at some point but not at the moment. A few people have asked re the kitchen as they want to offer advice- but I rather think I have made it sound bad and it really isn’t! I saw far far worse kitchens during my house hunting.
I’ve visited many sites as I used to be on the management team at nostell and have been a member since a child, but I can’t recall if I’ve visited that one so it will have to go on the list 😊
When we bought our new house we didn't have curtains or new furniture gardens or driveway done for 5 years as 1991 in Australia the interest rates were plus 18% . I knew lots of people who bought everything for their homes and a new car ect as they wanted to keep up with the 'Jones' or impress their friends. In the end I never worry what people think. Also with your garden plant veggies as that cuts your foods cost. and plant some lavender and use that for using instead of room deodoriser and I use lavender in cooking.
Hi Debbie, I have loads of Lavender in my garden already - even when I filmed this 12 months ago I had over 20 pots of Hidcote as I'm just obsessed with the fragrance :)
I will try to do one at some point, still feel like it’s not how I want it yet. Want to be careful how much I reveal as people can work out where you live too 😳 A friend who has a good following on Instagram ended up with a bit of a problem at one point which scares me a bit!
@@KirstyKirby I understand, yes only show what you feel comfortable with, and at the time that suits you and definitely nothing that identifies where you live. Safety first x
@@doodleschucky I’ll get a few rooms finished (as I mentioned I still have random mirrors propped up and no artwork on the walls 😂) and then see what I can come up with. 😊
I found your list very good. If someone has no idea he could start with yours and build up. On my list would be the car as well as it is an essential. If I wouldn’t work from home like I do I might not need an escape in terms of vacation but being constantly home is tiering me out.
Yes I have a car and class it as my basic expenditure as I use it for work purposes as prior to the pandemic was field based. I know how you feel about the cabin fever, I really want to get out in nature more this year.
You may try to find if people want to get rid of some plants, some need to be divided and some people just want a change in their garden, some you might get low cost in sale section. I live my garden :-) check for the soil but wait for a year to check what grows already
Absolutely - I've come to realise its so daft anyway. We all have incredibly different tastes anyway, what is beautiful to one is garish to another. So many home accounts I come across are not remotely inspirational to me as its as far from my personal taste as could be - but they are still lovely in their own right :)
It feels great to challenge oneself. My goals are to pay off mortgage as soon as I can. Secondly, save on retirement, next is to increase my savings overall. My husband and I want to upgrade every corner of our house, which he does most of the work. And finally encourage our son to save so one day we can help him buy his first home. I hope I can retire by 591/2 which is another 5 years
They sound like fantastic goals. I’d love the option to retire early so as silly as it sounds with so many working years ahead it’s already on my radar. Thanks for watching Olivia!
Replacing the foam in your pillows would make your couch last for very little cost. One tip for your clothes, it’s really best to do a full assessment of your wardrobe first. The sweater under an existing dress is a good idea, but will only add an item thus defeating the purpose of slimming the wardrobe 😊. The dishwasher is a self care investment, I can relate!
Hi Dominique, I probably didn’t explain properly, I’m not worried about slimming it particularly (I know from your handle you probably cringe at that 😉) but more that I’d like to be able to wear more of what I have and let go of what I never will again. I will probably always have more clothes than I truly need as its something I love and get great enjoyment from. Many of the items I have are still beautiful but I spent more on ‘going out’ clothes in my twenties than anything else - and some were rather expensive. If one jumper allows me to wear them in my current lifestyle then I’d be really happy with that, but I do agree that I will be taking my time over it. There’s no rush.
@@dominiquetheeasyminimalist I got quite into the minimalist concept a few years ago. How the concepts don’t necessarily mean you need to have the minimalist aesthetic. I suppose in some ways it mirrors how I think in relation to money now. Less of the things that don’t matter, can mean more of the things that you love, even if those things might be more expensive per item. Anyway, I’m rambling! Hope you are keeping well over there!
I'm curious if you have any thoughts on saving when you have a housemate who just doesn't conserve anything? My mom moved in with my girlfriend and me a few years ago and everything has practically doubled--and because she's on a fixed income, we absorbed all the costs. We've sat her down and explained what our goals were, but because she's in our house 24/7, she's the biggest driver of electricity, water, gas, etc. I can't tell you how many times I've come home to the TV on in the living while she's napping in her room or she's in the kitchen on her computer with the TV on. I'm pulling my hair out here.
I’d be interested to see a follow up review if you did decide to try and fix your sofa. Ours is sagging on the bottom and back cushions and we are thinking about getting it restuffed instead of buying a new one. We seem to go through couches like crazy so if we can find another solution I’d be very happy with that. Also love your earrings ❤️ 😊
If I do decide to I will let you know and do a follow up 😊 The scatter pillows are ridiculously comfortable so even though I’d like a more classic style I’m almost loathe to get rid of it. Thanks! They’re super old, I think at least 8 years old 😂 and I’m sure they were relatively inexpensive (possibly even super inexpensive!) - It seems I do tend to look after things!
@@KirstyKirby I actually chopped up some old T-shirts to make “cabbage” and re stuffed the scatter pillows. They look a million times better, just not sure what to do with the foam parts.
@@emilysmith2784 I’m lucky in that the scatter pillows are still amazing but the bottoms, whilst fine and comfy, look rubbish lol. If it was still all nicely shaped it wouldn’t look old at all. I did look into it a while ago and you can get foam that is at least advertised as sag resistant. I don’t think it was hugely expensive, I’ll have to look into it again.
I genuinely prefer taking small local trips instead of big international vacations. There’s a lot of pressure to “love to travel,” but I’m trying to embrace my own natural preferences.
Me too! I find travel exhausting too, it’s like I need a second holiday to get over the holiday! Plus so many people miss truly beautiful places on their doorstep as the focus is often overseas.
I realize this is belated comment, but I enjoyed this video. You mentioned enjoying the English countryside. Have you thought of doing any videos on places you travel to in the UK? It would be a great resource for those of us who might travel there for a visit. But I can understand not wanting to destroy the tranquility of a beautiful day outside by trying to produce a video. I live in beautiful southern California and often don't take my phone outside so that I am forced to be present in the moment.
I’d love to do more related to my enjoyment of the English countryside-at the moment with YT just being a hobby and working I find it hard to find the time right now. You raise a good point though, it can be really challenging enjoying somewhere when you are vlogging too, especially as some of my friends and family don’t wish to be on camera.
@@KirstyKirby Perhaps, when you have time, you can do a video about some of your favorite places. I know I would find value in that. I was planning a trip to England in the spring and want to have more options than hiking Hadrian's Wall. I am sure there are many wonderful multi-day hikes and single day excursions.
Good evening , i live in south of France , i'm minimalist in order to be on retirement as soon as possible , i share my experience on vidéos like yours , here is a testimonial to start this year right off : in december 2022 , i will be 40 years old and have closed the reimbursement of my appartment purchased in january 2014 , thanks to my savings on transport-food-accomodation , 12 years money earn back , it is in the same residence where i lived child , back to the future ! Next year , i will invest in real estates to get more money for my retirement and protect from inflation which is 4% in my country , i hope you'll reach your goal for your fire and i wish you the best for the future , in french i tell you " bonne soiree" 👍
@@KirstyKirby I guess it depends on how you feel about someone else in your home but we've had some amazing trips: a palace in Venice minutes from St Mark's Square, a heritage listed home on a private beach in Hawai'i, a renovated 5 bed brownstone walking distance from Central Park in NY. It has been transformative for us as a family and given our children travel experiences we could only ever have dreamed of.
@@Hide_and_silk I don’t doubt it’s been good for you, I wasn’t rubbishing the idea at all, I’m sure it’s a great way to travel, especially if travel is important to you. No I absolutely wouldn’t want strangers staying in my home, and staying in someone’s house doesn’t appeal to me either. Plus as I think I say in the video, I’m not that bothered about holidays, especially foreign ones. I prefer days trips and coming home. Perhaps it’s because I’ve lived abroad in my younger years. Again, I wasn’t saying it was a bad idea, your reply seemed defensive but honestly no need at all, I know it’s a popular way to travel for some and it’s great that you’ve shared as it may be something others have never considered - it’s just not something that would ever appeal to me that’s all! X
Very true. I think it will take a while to find what I want, I’ve seen one or two things I like - botanicals were really popular around the time my house was built so I’d like to maybe have at least one like that, but otherwise just things I really like. It will take time I’m sure.
People always ask me why I have a dishwasher as its just me and my daughter and theres this idea that it would take days and days to fill it lol... They clearly aren't cooking much and definitely not from scratch, mine goes on most days
Yesssss! Hit the nail on the head - when you are batch cooking / cooking from scratch etc, there’s so much more pots and pans than if using prepared food. I still haven’t got that dishwasher but it’s on the list for the next few months, the washing up is driving me crazy! X
Hi Lena, you assume here I don’t already incorporate lots of wildlife elements. 🤷♀️ I did say I was looking at adding raised veggie beds, and lots of planting, where many people just have large expanses of grass, so I’m a bit confused by such a comment. I already choose my planting based on what is good for pollinators (in particular lots of lavender, alliums, agapanthus, snapdragons, petunias, Rosemary, Callistemon and so on - purple or blue varieties are best) and have done for several years at my previous home, have bug and bee hotels and so on, have lots of bird feeders etc, have left the fallen leaves to act as a mulch, a pond is not possible due to certain elements of the plot and having dogs. Birds of all different sizes visit the trees I have, acers, maples, birch, and conifers as do squirrels. Large areas of the plot are concrete in sort of a courtyard style which could not be changed without huge expenditure to some kind of scrub or meadow like space.
@@KirstyKirby Hey, sounds like what you are doing is really great! I am just in the process of doing up my own garden and may be a little too excited. Didn't mean to make it sound bad - would just love to put it out there for more people to consider it, that is all. My thought process is just that doing it more wildlife friendly and with native species is also cheaper in the long run. Perhaps if I'd listened more closely to what your plans are for the garden I would have changed the wording so it doesn't come off as me telling off somehow
I didn’t really mention it in the video as I already have these elements, I was really talking through the elements I want to add. It’s great you are passionate about gardening and wildlife, I love it too.
@@KirstyKirby I should really just asked it as a question, would have been much more pleasant:) Thanks for the budget video btw, in general very iseful too!
@@lenanayashkova ah don’t worry. I’m unusual I suppose in that I try to answer all comments. I have responded to very rude ones before now, yours wasn’t remotely! Just a misunderstanding which is easy done, I’m always conscious not to make videos too long so you can’t always add lots of context xx
I’m just going to add that you might actually be better off financially if instead of paying your mortgage ahead of time you take that money and invest it. Just my two cents worth. I love your videos thank you.
It’s swings and roundabouts, but there is some schools of thought who would advise investing first. I had set reasons why I want to overpay (at least for a certain period of time) which I’ve touched on in other videos. Again, it’s swings and roundabouts as many people are able to make much larger investments once they remove the monthly mortgage payment, and it really does come down to an individual’s comfort with risk. With interest rates likely to start rising under large rates of inflation, overpaying in the shorter term, to offset the cost of the increase once a mortgage fix ends in say 5 years time could prove prudent - some investments will fall as we enter recession.
Hi Sarah. Not at all. My salary is not far off the national average in the U.K. I already have done a no buy year where I didn’t go to restaurants or the cinema at all. We all have different priorities in life I guess, some people would call me a bit of a homebody so home will always be a place I’ll prioritise my available budget and in the video I did say how I would LIKE to do all these things, but I may need to save and put them off for another year or find a budget way of doing some of these things - I will likely do an update video at the end of June.
@@KirstyKirby thank you for responding. Ah I see. I am not alone then. Being single it is save or holiday or house repairs. Means though little social but I am going to stop buying clothes or going out and just save more. I think a recession is coming plus cat bet Bill's run into the thousands Fortunately I have no rent or mortgage or car. Bw
@@sarahkennedy1481 I’m a single homeowner too Sarah. I don’t have an additional persons income to consider. Sorry if that wasn’t clear. I’m not that bothered by foreign holidays as I mentioned in the video. I would prioritise my home over travel but that’s just me.
Great videos. I watch you tube and research retirement holidays and that cures my urge to go on a overseas holiday As from Australia the airfares are so expensive. So go on a youtube holiday and research as I feel like I am on the holiday. Also watch movies based on the holiday you want to go on. I would love to go to Egypt so I watched Death on the nile. and researched and made an itinerary for when I want to go. I bought excellent second hand Equipment femme silk clothes off Ebay in the last two years. I did lose 26kgs and needed small clothes. so I sold my old on Ebay and bough smaller better quality clothes off Ebay. Nobody judge but I could never afford $300 aud for a new silk top but at $20-$40 on Ebay I have bought silk camis and long sleeve tops and dresses. so happy with my clothes now.
Can we see your kitchen? We might be able to give you some ideas? Unless you’ve already featured it… I will look at your old videos when I have a minute.
Honestly it’s fine, I’m probably making it sound worse than it is! In fact a few visitors have commented that they really like it. I’m just used to a kitchen with more counter space and a dishwasher - I had one in my previous rental property, and the combination of little counter space, cooking from scratch so creating plenty of pots and no dishwashing causes irritation as it’s a constant job to keep it looking lovely.
@@KirstyKirby 💖 I would still love to see it and provide my unsolicited advice lol! I love old houses and sometimes just a change of paint color, countertops, or appliances, etc. can make a huge difference while still retaining the charm and not spending a lot of money! My kitchen actually used to be a stairwell, so you can imagine that I’ve had to be creative!
It’s pretty common on many mortgage products, in the U.K. at least. You often can only pay 10pc per year (some are 10pc of the original balance, some are 10pc of the balance at the start of each year so the amount you can overpay by declines each year) without incurring an early repayment charge, which can be anything from 1-9% of the original loan amount depending on the product! 🤯 It’s because the banks really make their money on the interest you pay on that loan, by overpaying you are reducing what they will make on that loan. They just want to make sure they are making their money on the transaction one way or another.
Hi Julie yes I think I said that in the video? I plan to work through my wardrobe this year and those items that are in good condition that I’m confident i won’t wear again I will look to sell and hopefully this will create some funds I can use towards new items. 😊
As I started watching your channel, I started unsubscribing to channels that were purely hauls based or didn't resonant with my current lifestyle and goals. Following channels where the content was mostly haul based made me buy tons of things I don't need, thereby overspending.
I understand completely, I feel down the rabbit hole of RUclips Hauls and they really normalise it. Sometimes I will do a 'haul' in the sale for items I need, but then I wont buy anything for the rest of the year or even longer! Weekly Hauls is insanity and as you say, don't really fit with most peoples lifestyle or goals.
Hi everyone, again I wasn't sure if this would offer any value but several of you asked for this video and enjoyed the laid back more chatty approach in my 'What I spent in 2021' video. As always my reasons will be different to yours, my priorities will likely be different to yours too - and that's totally fine! The whole point of saving for me, and of scrutinizing the way I spend, is to get the best value I can from my money, things that will truly add to or improve my life.
I really liked this video and it’s always nice to see how other people prioritize spending their money. We’ve had a series of unexpected house expenses come up already this month so I’m reevaluating what we were planning to spend on and deciding if that is going to stay in the budget or maybe wait until later.
As someone who bought a house in 2019 with plans to redo the kitchen, I’d strongly suggest waiting until the rest of the house has come together. We found that a few small tweaks to the kitchen were really all it needed to be charming old instead of funky old, once the rest of the house was done to our style. But definitely go ahead and get a dishwasher, those things are lifesavers!
Thanks Adrienne, glad you enjoyed it. Yes life tends to throw curveballs at us! I had in my head that I didn’t need much in the way of clothes but after trying a few things on the other day I realised I had a lot of clothes - ones that I just won’t wear 🤦♀️😂 so I will need to allow some spending here.
Yes no plans to do anything immediately. I think a lot of home improvement channels and Instagram accounts have taken off recently and almost normalised doing things immediately. I do truly think it’s best to wait at least a year so you learn how you use the space through the seasons. The flooring will need doing at some point (there’s a few cracked tiles) and when that is done I will look at any changes needed. But I don’t really know what I want yet truth be told and I probably made it sound worse than it is. It sort of suits the house and isn’t a million miles away from what I would chose anyway. Xx
This was another great video! We also took a year to just live in our house - make notes on things we wanted to change entirely, things that needed simple updates and then we took a couple years for our outdoor living space planning. It was more expense planning and saving over a year that really helped us know what we would spend vs “dream spend” and that way we didn’t go into debt.
Aww thank you! I think you don’t realise when you first move in which bits you really care about etc. For example when I moved in I pretty much lived in the kitchen (it has a conservatory area off it with a sofa etc), I could have the doors open so the dogs could come and go as they pleased and the garden is lovely and private so it was really nice. I even found myself working from the kitchen table. Then I was thinking I should blow the budget in that area as I spent so much time in it. However since December I’m in the living room or dining room all the time and only go in the kitchen to cook or to make a cuppa! Anyway this is a long winded way of saying I know it’s better to wait and not let enthusiasm get the best of me 😊
This was thought provoking for me. Thank you! Just bought my first home 2 months ago & I’ve notice I am spending more are decorating etc. Your video made me realize to set priorities & put the breaks on it, sit in my house for four seasons before big decisions & investments (great tip!!) & use the time to plan. I think a lot of my expenditure toward home decor/ new furniture comes from “well what are people going to think” of me if they are sitting for example at my old kitchen table instead of a nice dining room table with matching pieces in my new dining room (a new space for me!) where in actuality My friends would understand & not judge as I take my time to save, plan & buy in stages. ❤️😊
Hi Destiny, apologies for not replying sooner, I don't always get notifications. Congrats on buying your house, that's fantastic :) Yes I totally believe in taking your time if you can, If you have just one room that's somewhat how you want it (doesn't have to be perfect) then its a place to escape to when renovating. In my first flat I had just my bedroom done for months, and the TV in my lounge was perched on a low coffee table for a long time lol. It wasn't perfect but through waiting, I actually still have and use most of the furniture I bought then, 12 years ago because I waited for things I truly liked. And you are so right, true friends don't really care or judge, besides we all like different things anyway. Good luck with your renovations, I'm sure it will come together in the end :) x
It was so interesting to hear all of the things you’ve been thinking about. It’s amazing once you put pen to paper how much chaos gets lifted from the mind 🤗☺️
Hi Kirsty, loved this video as it gave me things to think about with my own budgeting.
I agree that living with your home and garden for a full cycle of seasons is wise. I did this with my own garden here in Australia, and it was interesting to see how the sun moved around the property, which areas got a bit water-logged when it rained etc...It saved me a lot of expensive planting mistakes. Wouldn't it be wonderful if lots of lovely plants came up in the spring - fingers crossed!
I also waited before renovating the house, and again this paid off as I could see how light rooms were in different seasons (it varied hugely) and also take note of any issues that might not be obvious at the time of purchase. My house is older - 1890s, and had been a rental for years. Some things did come up that weren't apparent when the building was inspected (plumbing and electrical issues) so it can be prudent to have a bit of money put by just in case. That said, in other old homes I've bought there were no issues at all.
Ahh same era as mine, mine was built in 1895 :) Thankfully the house is in beautiful condition ( a few things here and there as expected with old houses) but there's always something that pops up. The downside of being a home owner I guess!
Hi Kristy, I have been watching your videos for a couple of months now and your videos are so informative, inspiring & helpful to me, I love how you dissect & think everything through & then set goals. Love your channel! 👍😌
Thanks so much for watching Joan, really pleased to hear you enjoy my content 😊 x
Very helpful vlog. I moved end of Sept last year, to a slightly bigger house, so I am short on some furniture, but none of it is urgent. I can live like this no problem. Your no spend year vlog gave me the motivation to save hard this year and budget carefully every month. That way, next year I will have lived here a 12-18 months and know what I want and what works, and what’s a priority and what isn’t.
I have a dishwasher in this house and I saw I am using it a lot more than I thought. It’s only me here, and I run it every 2 days. It’s a slimline Bosch one. You can adjust the bottom rack so the plate holder folds down, and put pots and pans in. Always gets everything clean, and no dishes in the sink. Makes the kitchen look tidy as it’s all out of sight. Thanks for sharing.
Hi Sofia! I can relate, so much of the urgency is just what we place on ourselves. Better to take our time and get the right items than rush and then want something different later.
Yes I had a dishwasher at my rental place and used it such a lot, I think that’s one of the reasons I notice it so much now. I’ll get one eventually for sure, likely this year and that will help kick the can down the road for any kitchen renovations. Xx
Hi Kirsty, I came across your channel yesterday and I’ve already found it really useful and inspiring, it’s helpful to see Northern women of a similar age achieving big goals and sharing their experiences:)
Thanks for watching Emma 😊
I love your videos, I am following you from Finland, I have been always very tight with my money but lately, I am a bit extra because I want to cut hours from work and be able to stay at home, I am like you a homebody, around me there are no many people that support my idea, they normally say, you need to have a life, so I like to watch your videos because I do not feel alone.
Hi Esther, hope all is well in Finland. I understand your wanting to reduce hours. I think for me it is a realisation that life can be very short (I’ve lost a few uncles quite young over the last 5-10 years) and I hate the idea of never having had time to do the things that bring joy and instead filling life with stress. That said we are all different and all have different values so its not unexpected that not everyone will understand, I think that’s where trying to learn to not care what others think can help (something I’m forever working on!) Thanks for watching, I really hope you don’t feel alone too much xx
I loved this video!! You can not even imagine the effect that hearing your thought process will have in my plans! I always make the list for the things I want or need but never expande on that like what can I use instead or if they can be second hand, of if I can sell the old model for the newer one. And I end up stuck because I mostly want to save so I end up not having a plan for the stuff on the list (like a desk, since I’ve been working from home)… Thank you so much
Second hand is awesome! And even better some people give the most amazing stuff away for free! My brother has found some ridiculous things for free on places like Facebook marketplace in the past. I know people who get rid of all their furniture every time they redecorate - and they do it every other year. So there’s tons of stuff out there that’s barely has much use!
Really pleased it helped you out, I’m never sure with these sorts of videos. X
Definitely wait and see what comes up in the garden! An older garden will probably have lots of spring bulbs and early summer perennials like peonies to surprise you!🌷🌷 It's also good to see where the sunny and shady spots are over the year to really help with planning any changes. I buy second hand scruffy indoor dining tables very cheaply, give a coat of outdoor paint and they last a good few years in the garden.. So much cheaper than outdoor furniture. 😊😊
I definitely think there’s probably a few lovely plants that I don’t know are there (I only viewed twice before I got the keys ha ha), am happy with the decision to wait now. I have a small amount of outdoor furniture so can certainly manage for at least this coming summer - but yes I’ve often utilised items in other spaces so it’s a great shout. I have a wooden rocking chair that I treated and painted with outdoor furniture paint and it’s great, several years and still going strong 😊
I have been on a no purchase and decluttering journey for two months now😊it feels fantastic. I stumbled across your channel and absolutely love your content. Thank you 🙏
Aww thank you so much for your lovely comments xx
Thank you for these videos! 🙏🏼 big hug from the Netherlands xx 🥰
Thanks for watching!
Another great video! One of my mottos is that "sometimes you gotta say it out loud." You doing that here, I think, helped you to tweak what you had put together to share on your channel. Hold off a bit on that kitchen and garden! You are authentic, smart and confident and your ability to voice your ideas is wonderful. I am pretty good on paper, not so much verbally; thoroughly enjoy listening to you. You get me thinking and make me want to get better at taking care of my life properly, and in a way that benefits me in all the best ways. I laugh when you say "first world problems," as one of my friends says that as well. We know we are fortunate, I think, to be born where we were born and to live in this time, yet if we didn't strive to make ourselves and our lives better, what are we here for? Thank you for your good work here!
I get some odd messages from people saying I didn’t no buy hard enough because people in some parts of the world don’t buy anything at all, even soap, and therefore I shouldn’t call my no buy year a no buy year. 🤯 Point being it’s not comparable, you you say you work from where you are and seek to improve, and our starting positions will always be different.
@@KirstyKirby some people buy into the silly rhetoric that we should feel guilty about our good lives. Me and mine are grateful!
Really helpful video and I love how you take time to justify your ideas and think how you could maybe do things for less expense before jumping in and spending. Thank you for such great tips 🙏❤️
Glad it was helpful! I'm never quite sure with these kind of videos.
Great video. It was super helpful listening to your thought process on your spending and saving. Thank you.
Glad it was helpful. Thanks for watching Kerry 😊
I am building a new home to move into this Spring, so this was very helpful. Even though it’s new, there are many things I need in terms of furniture, rugs, decor items and landscaping. As you discussed, I need to take it slow and manage spending within my budget. Thank you!
Congratulations first of all, but yes I definitely recommend taking your time. I’ve lived in this place a good few months now and whilst certain areas I knew instantly what I wanted to do, others I’ve changed my mind about multiple times. Best to wait and over time you tend to find out what you want/need. And Pinterest is great for ideas whilst you are waiting 😊
I really like the idea of purchasing a few items to expand your wardrobe. I did this by buying a few short sleeve tshirts in crew and v neck styles to help me extend the warmth of my actual tops into spring and autumn :)
Thanks for watching 😊 yes if I can I’d really like to work on finding ways to utilise what I have already. I used to be great at creating outfits (even if I say so myself 😂) so I guess I will just have to tap into my creativity!
Kirsty, I loved you shared your thinking processes, goals, considerations, and waiting. Yes, doing your video was of great value. Thank you.
A thought about your couch: a throw and/or pillows. Perhaps there’s designs/types that could match your home’s era.
Glad it was valuable 😊
Thanks for the suggestions, there’s nothing wrong with the colour and has huge cushions as part of the scatter back design. It’s more that the base cushions have sagged and would like a more traditional style. Will probably just leave as it is for another year.
Love this video; I would love to see a haircare video next.
This is the first video of yours I have watched.... really enjoyed! I too have an old style house and we thought the same about the renovations and actually did treat ourselves to a brand new couch. OUCH!! Worst mistake. As soon as we signed and paid for it I felt sick 😫 I alwayget such enjoyment from getting something beautiful that is second hand. We had to wait months to be designed and made up (pre covid) and then our money situation changed and we couldn't get out of this couch purchase. It is a nice couch but it is not a spark joy couch and it is my only regretful purchase and nearly my only brand new purchase in my whole 2 properties we live separately (but together) in.
Hi Tara thanks for watching! I’m so sorry to hear about your bad experience with your purchase. You raise a good point though, money situations can change very quickly and often unexpectedly. Even since I’ve filmed this video I’ve been uncomfortable with some things at work which do not make me feel confident to spend in any way frivolously.
Such a great video - I've recently found your channel and I'm really enjoying the content.
As a fairly recent (and super stingy) gardener I'd like to let you know about some gardening things that I learnt as a first time home owner/new gardener. Realise some of them are pretty obvious but I wish someone had told me sooner!! One recommendation I'd give you is try to get as many mature plants from friends/family/neighbours/local Facebook group as you can. These plants have grown so much better in my garden than the ones I bought in garden centres and supermarkets and they're much hardier to cold and hot weather. Geraniums (not the pelargonium variety) are great for growing in rubbish soil and improving the soil quality in a matter of months. If you're doing raised beds I'd post on local groups to see if anyone has any soil/rocks they're looking to get rid of as this will save so much money and you don't need all the soil to be good quality. Lastly, my biggest learning was not starting a compost bin soon enough. If you're considering it and haven't already start a compost bin today!! Mine was pretty cheap but it's taken 1-2 years to get decent compost out of even with using the correct carbon to nitrogen ratios. Also as you were speaking about bulbs I noticed today that a lot of places have discounted bulbs for £1 that have gone over so I'd keep a look out!
Hi there thanks for your comments, some really nice bits of advice here. I’m not a new gardener though, although I must have come across that way. My gran is a prolific gardener so I’ve been potting and sowing seeds and bulbs with her since I could walk 😊 Although I was in rented I became a huge container gardener, managed to grow tons of herbs which I really enjoy, even had carrots, onions, tomatoes, potatoes etc and tons of my favourite-lavender. I’ve utilised a lot of my pots in the new garden and actually changed my plans this year as I want to plan the large border this year, and the square pots have formed ‘raised beds’ that would have cost a lot to build, so have saved a lot there.
I also am pretty funny in that I have a huge preference for blue/purple and white flowers - bees can see blue better than any other colour and I just love that. Loads also came up in the beds through spring so it was good to wait and not plough ahead.
My dogs, one in particular, are plant tasters so I also plan around what it non toxic to them too. I’ve got some stuff to divide up before spring gets going so that will help.
Most of the bulbs I have planned for pots this year are now in, (and ones I planted in the autumn are almost ready to flower 😊) but I’ll be on the lookout for certain things for next year once I plan the large border properly. I want it to be done so there’s always something in flower throughout different months so will take some planning as it is also quite shady in areas.
Thanks for taking the time to write all this though, really nice of you.
Thank you for writing back to me. I'm now not sure why I made that assumption, apologies. I was probably just too excited to share my gardening experience with you for your new home. Thank you for sharing more details of your experiences and plans with me, it all sounds so lovely. It's also great to hear that lots of things came up in the beds this year - it's such a beautiful time of year.
@@rosieposie3018 don’t worry - no need to apologise, because I’m still not really sure what I want to do with the space I’m sure I probably came across as a complete newbie. I’m nowhere near as good as my gran but I would say I got into gardening maybe 5 years ago. I’m loving seeing that it’s becoming more popular and it’s great you are so enthusiastic about your home and garden 😊
I have a maple tree and two large weeping acers and all the leaves have just started coming back, spring is lovely, something new happening almost daily in the garden.
I’m 58 and have recently decluttered my wardrobe as I had them over 10 years, I need a change of style for myself. Maybe I want to dress my age, I’m not sure, but I want to be classy and comfortable. 😃 love this video, I needed to hear this as my motivation for saving has got lost recently.
I’ve an old house, do wait for remodelling, it will save money, hassle, mess and give you time to decide what you really like!
Yes I’ll be waiting don’t worry 😊 I grew up in old houses and what you can do sometimes affects your plans anyway, and tbh I don’t have the funds for a kitchen remodel right now - plus having been in rented previously you often mull over in your mind what you would do if you owned the house, yet you go back and forth over time so much better to wait and see what will really work for you! Garden project is my focus for this year and well under way, but took my time to decide that too! Thanks so much for watching 🥰
Hi! Just watching your video. Just discovered your channel 😊 Regarding your couch, I refreshed my couch by replacing the foam in the couch cushions. Got the foam on Amazon for about $50, and my couch is like new. Great purchase.
It’s definitely an option I’m still considering. Thanks for sharing 😊 xx
Great video. You are such a mature young woman. I had to chuckle when you said about exploring the English countryside. Before Covid my one big budget item was saving enough to travel to England and spend days, weeks, even months a few times in the English countryside (I am from Canada). It would be my life's dream to live in England and to spend my spare time exploring every part of the country.
It has its charms but like everywhere it has its downfalls too. My cousin lived in Canada when she was younger for a while, she loved it and I have to admit it’s one of the places I would potentially like to visit one day. Hopefully you will get to visit at some point! Xx
It’s nice to hear how you are planning your finances esp with a new house. While everyone’s situation is different, it’s nice to hear others plans and viewpoints to help you make your own
Hi Anne, this video is from last year. I’ve just uploaded a new version for this year. X
@@KirstyKirby thank you, it was actually the one from this year that also let me to this one
@@anneblommaert ah I see 😊
like it gets better n better
What a wonderful process video! Thank you for discussing the rationale behind saving or spending….I found that I needed to purchase higher end furniture for the garden because my lower cost furniture ( although lovely) just didn’t weather the outdoors well. I also replaced my sofa seat cushions with good quality foam (Amazon) and I was surprised how inexpensive it was to do. So yes, I find that sometimes I can refresh things and sometimes I need more expensive quality items….and I understand the need for a dishwasher! It was the first thing I purchased after moving in with my boyfriend….he is my husband now! Would we have gotten married without a dishwasher?! Hmmmmm……
I know exactly what you mean with some items needing to be of good quality (and yes there is an awful lot of poor quality garden items out there) - the last few years has had me leaning towards ‘less but better’ with a lot of things. But as you say there are some things you can save on with a little imagination and some basic DIY skills.
Still don’t have the dishwasher but it’s very high up on the list 😂
Would be so fun to see you doing a clothing declutter and what would u buy for replacements!
Great idea, I’m avoiding decluttering the wardrobe at the moment though! Clothing is my Achilles heel when it comes to decluttering lol x
I use vinted now and I honestly haven’t purchased anything in the last 10 months from a store. I also sold lots of my previous post baby clothes on vinted and kept the money in that account to buy the new things, so I didn’t really use my own money either. Lots on vinted still have tags too! Loved this video xxx
I’ve seen a lot of people recommend vinted, I’ve never tried it but I’ll have to take a look. I tried Depop a while back and tbh wasn’t that impressed. Friends have done really well on Facebook marketplace for clothes too. I really like the idea of turning clothes you no longer wear into funds for new things you will. It feels guilt free that way! Thanks so much for watching 😊
Vinted is a item posting site from UK?
@@elbertmoreno2159 yes
Hello from Texas 🌵👋... I need to look at vinted, as I'm still learning about UK, and how ya live over there.
Thank you this video....listening to you in Jamaica
Thanks so much for watching! I had a quick look at the temperature right now in Jamaica and I’m jealous 😉
CHOCOLATE and COFFEE! I MUST RATION!
Absolutely love the breakdown and explanation! Thanks for sharing. One thing to mention about the video itself, is how bothersome that constant cutting out of the audio is. I don’t know if you’re trying to cut out the fuzzy sound when you aren’t talking, or why there are constant audio gaps, but it’s VERY distracting. I kept thinking my connection was cutting out. It was so distracting and bothersome I almost didn’t finish watching. I did, cuz I love your content! If this is out of your control, no worries! But if you’re doing it on purpose whilst editing, please know how distracting it is for your viewers, especially if we’re wearing headphones ❤️❤️thank you again for sharing, this is very inspiring.
Thanks for the feedback Rebecca. This camera makes a very annoying shutter sound all the time and it’s impossible to get rid of it, so I have done some processing to try to reduce it, but perhaps that’s created too much of a difference between speaking. I have a better camera and external mic but it’s more complicated to set up and I’m still not sure on the natural lighting in this house yet, whereas this one alters the light automatically but the sound has issues! Anyway I’ve probably created an issue for the viewer in trying to correct something that bothers me 🤦♀️
I don’t usually listen through headphones after editing but I will do so in the future to see what I can do to resolve this problem 😊
I'm watching this to help me plan my finances for 2023, I enjoy your videos so much thank you! I also wanted to ask you about your nails. Did you allow yourself to get your nails done during your no buy year or only now? Unless you do them yourself!
Hi Lana, I just paint them myself. I treated myself to some Chanel nail polish right at the very beginning of 2020 and still using the same bottles now! Xx
I may also do an update to this video for 2023 in the coming weeks if that helps.
great content!! thank you
Thanks Lindsey!
I love visiting National Trust properties! 😍
Me too. So so much. I used to be part of the management team at Nostell a few years ago too!
I wish I knew to wait at least a year before embarking on remodels and re-decorating projects... several half-dozen projects that were time and money wasters! Live & learn!
Oh bless you! It’s so true though, you change your mind about all sorts once you live in the space for a while.
Great Video! I learned a lot of good tips 🙂
Thanks for watching Wendy!
Thanks for sharing! Would you give us a tour of your new home, especially the kitchen?
I may do at some point but not at the moment. A few people have asked re the kitchen as they want to offer advice- but I rather think I have made it sound bad and it really isn’t! I saw far far worse kitchens during my house hunting.
Soooooo much to see with the National Trust and English Heritage! I highly recommend Tyntesfield just outside of Bristol.
I’ve visited many sites as I used to be on the management team at nostell and have been a member since a child, but I can’t recall if I’ve visited that one so it will have to go on the list 😊
When we bought our new house we didn't have curtains or new furniture gardens or driveway done for 5 years as 1991 in Australia the interest rates were plus 18% . I knew lots of people who bought everything for their homes and a new car ect as they wanted to keep up with the 'Jones' or impress their friends. In the end I never worry what people think. Also with your garden plant veggies as that cuts your foods cost. and plant some lavender and use that for using instead of room deodoriser and I use lavender in cooking.
Hi Debbie, I have loads of Lavender in my garden already - even when I filmed this 12 months ago I had over 20 pots of Hidcote as I'm just obsessed with the fragrance :)
Would love to see a tour of your lovely new home :-) xx
I will try to do one at some point, still feel like it’s not how I want it yet. Want to be careful how much I reveal as people can work out where you live too 😳 A friend who has a good following on Instagram ended up with a bit of a problem at one point which scares me a bit!
@@KirstyKirby I understand, yes only show what you feel comfortable with, and at the time that suits you and definitely nothing that identifies where you live. Safety first x
@@doodleschucky I’ll get a few rooms finished (as I mentioned I still have random mirrors propped up and no artwork on the walls 😂) and then see what I can come up with. 😊
I found your list very good. If someone has no idea he could start with yours and build up. On my list would be the car as well as it is an essential. If I wouldn’t work from home like I do I might not need an escape in terms of vacation but being constantly home is tiering me out.
Yes I have a car and class it as my basic expenditure as I use it for work purposes as prior to the pandemic was field based. I know how you feel about the cabin fever, I really want to get out in nature more this year.
You may try to find if people want to get rid of some plants, some need to be divided and some people just want a change in their garden, some you might get low cost in sale section. I live my garden :-) check for the soil but wait for a year to check what grows already
You inspire me :)
That’s very sweet of you to say!
We need to be ok with our home not being 'social media worthy'. Great video.
Absolutely - I've come to realise its so daft anyway. We all have incredibly different tastes anyway, what is beautiful to one is garish to another. So many home accounts I come across are not remotely inspirational to me as its as far from my personal taste as could be - but they are still lovely in their own right :)
It feels great to challenge oneself. My goals are to pay off mortgage as soon as I can. Secondly, save on retirement, next is to increase my savings overall. My husband and I want to upgrade every corner of our house, which he does most of the work. And finally encourage our son to save so one day we can help him buy his first home. I hope I can retire by 591/2 which is another 5 years
They sound like fantastic goals. I’d love the option to retire early so as silly as it sounds with so many working years ahead it’s already on my radar. Thanks for watching Olivia!
Replacing the foam in your pillows would make your couch last for very little cost. One tip for your clothes, it’s really best to do a full assessment of your wardrobe first. The sweater under an existing dress is a good idea, but will only add an item thus defeating the purpose of slimming the wardrobe 😊. The dishwasher is a self care investment, I can relate!
Hi Dominique, I probably didn’t explain properly, I’m not worried about slimming it particularly (I know from your handle you probably cringe at that 😉) but more that I’d like to be able to wear more of what I have and let go of what I never will again. I will probably always have more clothes than I truly need as its something I love and get great enjoyment from. Many of the items I have are still beautiful but I spent more on ‘going out’ clothes in my twenties than anything else - and some were rather expensive. If one jumper allows me to wear them in my current lifestyle then I’d be really happy with that, but I do agree that I will be taking my time over it. There’s no rush.
@@KirstyKirby No I don’t cringe, there’s no judgment ever 😊. Easy minimalist is just that, easy. I love your thought process! Cheers from Montreal
@@dominiquetheeasyminimalist I got quite into the minimalist concept a few years ago. How the concepts don’t necessarily mean you need to have the minimalist aesthetic. I suppose in some ways it mirrors how I think in relation to money now. Less of the things that don’t matter, can mean more of the things that you love, even if those things might be more expensive per item. Anyway, I’m rambling! Hope you are keeping well over there!
I'm curious if you have any thoughts on saving when you have a housemate who just doesn't conserve anything? My mom moved in with my girlfriend and me a few years ago and everything has practically doubled--and because she's on a fixed income, we absorbed all the costs. We've sat her down and explained what our goals were, but because she's in our house 24/7, she's the biggest driver of electricity, water, gas, etc. I can't tell you how many times I've come home to the TV on in the living while she's napping in her room or she's in the kitchen on her computer with the TV on. I'm pulling my hair out here.
I’d be interested to see a follow up review if you did decide to try and fix your sofa. Ours is sagging on the bottom and back cushions and we are thinking about getting it restuffed instead of buying a new one. We seem to go through couches like crazy so if we can find another solution I’d be very happy with that. Also love your earrings ❤️ 😊
If I do decide to I will let you know and do a follow up 😊 The scatter pillows are ridiculously comfortable so even though I’d like a more classic style I’m almost loathe to get rid of it.
Thanks! They’re super old, I think at least 8 years old 😂 and I’m sure they were relatively inexpensive (possibly even super inexpensive!) - It seems I do tend to look after things!
@@KirstyKirby I actually chopped up some old T-shirts to make “cabbage” and re stuffed the scatter pillows. They look a million times better, just not sure what to do with the foam parts.
@@emilysmith2784 I’m lucky in that the scatter pillows are still amazing but the bottoms, whilst fine and comfy, look rubbish lol. If it was still all nicely shaped it wouldn’t look old at all. I did look into it a while ago and you can get foam that is at least advertised as sag resistant. I don’t think it was hugely expensive, I’ll have to look into it again.
❤️
I genuinely prefer taking small local trips instead of big international vacations. There’s a lot of pressure to “love to travel,” but I’m trying to embrace my own natural preferences.
Me too! I find travel exhausting too, it’s like I need a second holiday to get over the holiday! Plus so many people miss truly beautiful places on their doorstep as the focus is often overseas.
I realize this is belated comment, but I enjoyed this video. You mentioned enjoying the English countryside. Have you thought of doing any videos on places you travel to in the UK? It would be a great resource for those of us who might travel there for a visit. But I can understand not wanting to destroy the tranquility of a beautiful day outside by trying to produce a video. I live in beautiful southern California and often don't take my phone outside so that I am forced to be present in the moment.
I’d love to do more related to my enjoyment of the English countryside-at the moment with YT just being a hobby and working I find it hard to find the time right now. You raise a good point though, it can be really challenging enjoying somewhere when you are vlogging too, especially as some of my friends and family don’t wish to be on camera.
@@KirstyKirby Perhaps, when you have time, you can do a video about some of your favorite places. I know I would find value in that. I was planning a trip to England in the spring and want to have more options than hiking Hadrian's Wall. I am sure there are many wonderful multi-day hikes and single day excursions.
Good evening , i live in south of France , i'm minimalist in order to be on retirement as soon as possible , i share my experience on vidéos like yours , here is a testimonial to start this year right off : in december 2022 , i will be 40 years old and have closed the reimbursement of my appartment purchased in january 2014 , thanks to my savings on transport-food-accomodation , 12 years money earn back , it is in the same residence where i lived child , back to the future !
Next year , i will invest in real estates to get more money for my retirement and protect from inflation which is 4% in my country , i hope you'll reach your goal for your fire and i wish you the best for the future , in french i tell you " bonne soiree" 👍
We travel using home exchange....another way of leveraging your home.
Wouldn’t be something that would ever appeal to me, but thanks for sharing!
@@KirstyKirby I guess it depends on how you feel about someone else in your home but we've had some amazing trips: a palace in Venice minutes from St Mark's Square, a heritage listed home on a private beach in Hawai'i, a renovated 5 bed brownstone walking distance from Central Park in NY. It has been transformative for us as a family and given our children travel experiences we could only ever have dreamed of.
@@Hide_and_silk I don’t doubt it’s been good for you, I wasn’t rubbishing the idea at all, I’m sure it’s a great way to travel, especially if travel is important to you. No I absolutely wouldn’t want strangers staying in my home, and staying in someone’s house doesn’t appeal to me either. Plus as I think I say in the video, I’m not that bothered about holidays, especially foreign ones. I prefer days trips and coming home. Perhaps it’s because I’ve lived abroad in my younger years. Again, I wasn’t saying it was a bad idea, your reply seemed defensive but honestly no need at all, I know it’s a popular way to travel for some and it’s great that you’ve shared as it may be something others have never considered - it’s just not something that would ever appeal to me that’s all! X
Take your time with finding art. The right pieces will find you over time. Much better than mass produced prints you can't attach to
Very true. I think it will take a while to find what I want, I’ve seen one or two things I like - botanicals were really popular around the time my house was built so I’d like to maybe have at least one like that, but otherwise just things I really like. It will take time I’m sure.
People always ask me why I have a dishwasher as its just me and my daughter and theres this idea that it would take days and days to fill it lol... They clearly aren't cooking much and definitely not from scratch, mine goes on most days
Yesssss! Hit the nail on the head - when you are batch cooking / cooking from scratch etc, there’s so much more pots and pans than if using prepared food. I still haven’t got that dishwasher but it’s on the list for the next few months, the washing up is driving me crazy! X
Please consider moving towards creating a wildlife garden, it's absolutely beautiful and certainly cheaper to support
Hi Lena, you assume here I don’t already incorporate lots of wildlife elements. 🤷♀️ I did say I was looking at adding raised veggie beds, and lots of planting, where many people just have large expanses of grass, so I’m a bit confused by such a comment. I already choose my planting based on what is good for pollinators (in particular lots of lavender, alliums, agapanthus, snapdragons, petunias, Rosemary, Callistemon and so on - purple or blue varieties are best) and have done for several years at my previous home, have bug and bee hotels and so on, have lots of bird feeders etc, have left the fallen leaves to act as a mulch, a pond is not possible due to certain elements of the plot and having dogs. Birds of all different sizes visit the trees I have, acers, maples, birch, and conifers as do squirrels. Large areas of the plot are concrete in sort of a courtyard style which could not be changed without huge expenditure to some kind of scrub or meadow like space.
@@KirstyKirby Hey, sounds like what you are doing is really great! I am just in the process of doing up my own garden and may be a little too excited. Didn't mean to make it sound bad - would just love to put it out there for more people to consider it, that is all. My thought process is just that doing it more wildlife friendly and with native species is also cheaper in the long run. Perhaps if I'd listened more closely to what your plans are for the garden I would have changed the wording so it doesn't come off as me telling off somehow
I didn’t really mention it in the video as I already have these elements, I was really talking through the elements I want to add. It’s great you are passionate about gardening and wildlife, I love it too.
@@KirstyKirby I should really just asked it as a question, would have been much more pleasant:) Thanks for the budget video btw, in general very iseful too!
@@lenanayashkova ah don’t worry. I’m unusual I suppose in that I try to answer all comments. I have responded to very rude ones before now, yours wasn’t remotely! Just a misunderstanding which is easy done, I’m always conscious not to make videos too long so you can’t always add lots of context xx
I’m just going to add that you might actually be better off financially if instead of paying your mortgage ahead of time you take that money and invest it. Just my two cents worth. I love your videos thank you.
It’s swings and roundabouts, but there is some schools of thought who would advise investing first. I had set reasons why I want to overpay (at least for a certain period of time) which I’ve touched on in other videos. Again, it’s swings and roundabouts as many people are able to make much larger investments once they remove the monthly mortgage payment, and it really does come down to an individual’s comfort with risk. With interest rates likely to start rising under large rates of inflation, overpaying in the shorter term, to offset the cost of the increase once a mortgage fix ends in say 5 years time could prove prudent - some investments will fall as we enter recession.
You must earn heaps if you save and spend lots on house? Would you save for 6 months plus without any social outlet like meals out or cinema etc?
Hi Sarah. Not at all. My salary is not far off the national average in the U.K.
I already have done a no buy year where I didn’t go to restaurants or the cinema at all.
We all have different priorities in life I guess, some people would call me a bit of a homebody so home will always be a place I’ll prioritise my available budget and in the video I did say how I would LIKE to do all these things, but I may need to save and put them off for another year or find a budget way of doing some of these things - I will likely do an update video at the end of June.
@@KirstyKirby thank you for responding. Ah I see. I am not alone then. Being single it is save or holiday or house repairs. Means though little social but I am going to stop buying clothes or going out and just save more. I think a recession is coming plus cat bet Bill's run into the thousands
Fortunately I have no rent or mortgage or car.
Bw
@@KirstyKirby I tend to buy things as a comfort weekends as I live alone. Please do a video on comfort buying.
@@sarahkennedy1481 I’m a single homeowner too Sarah. I don’t have an additional persons income to consider. Sorry if that wasn’t clear. I’m not that bothered by foreign holidays as I mentioned in the video. I would prioritise my home over travel but that’s just me.
@@sarahkennedy1481 I covered this somewhat in my no buy year video but will add to the list of future videos.
Great videos. I watch you tube and research retirement holidays and that cures my urge to go on a overseas holiday As from Australia the airfares are so expensive. So go on a youtube holiday and research as I feel like I am on the holiday. Also watch movies based on the holiday you want to go on. I would love to go to Egypt so I watched Death on the nile. and researched and made an itinerary for when I want to go. I bought excellent second hand Equipment femme silk clothes off Ebay in the last two years. I did lose 26kgs and needed small clothes. so I sold my old on Ebay and bough smaller better quality clothes off Ebay. Nobody judge but I could never afford $300 aud for a new silk top but at $20-$40 on Ebay I have bought silk camis and long sleeve tops and dresses. so happy with my clothes now.
Can we see your kitchen? We might be able to give you some ideas? Unless you’ve already featured it… I will look at your old videos when I have a minute.
Honestly it’s fine, I’m probably making it sound worse than it is! In fact a few visitors have commented that they really like it. I’m just used to a kitchen with more counter space and a dishwasher - I had one in my previous rental property, and the combination of little counter space, cooking from scratch so creating plenty of pots and no dishwashing causes irritation as it’s a constant job to keep it looking lovely.
@@KirstyKirby 💖 I would still love to see it and provide my unsolicited advice lol! I love old houses and sometimes just a change of paint color, countertops, or appliances, etc. can make a huge difference while still retaining the charm and not spending a lot of money! My kitchen actually used to be a stairwell, so you can imagine that I’ve had to be creative!
I can't understand why you'd get penalised for paying more off on your mortgage, that's just crazy!
It’s pretty common on many mortgage products, in the U.K. at least. You often can only pay 10pc per year (some are 10pc of the original balance, some are 10pc of the balance at the start of each year so the amount you can overpay by declines each year) without incurring an early repayment charge, which can be anything from 1-9% of the original loan amount depending on the product! 🤯 It’s because the banks really make their money on the interest you pay on that loan, by overpaying you are reducing what they will make on that loan. They just want to make sure they are making their money on the transaction one way or another.
Not to worry, you will be at the top of my list when I win the Lotto.
Ha ha we can all dream - and I suppose someone has to win 😉
Why not out the clothes you no longer wear but are Ingrid condition on vinted - then you may get enough money to replace the ones you sell?
Hi Julie yes I think I said that in the video? I plan to work through my wardrobe this year and those items that are in good condition that I’m confident i won’t wear again I will look to sell and hopefully this will create some funds I can use towards new items. 😊
As I started watching your channel, I started unsubscribing to channels that were purely hauls based or didn't resonant with my current lifestyle and goals. Following channels where the content was mostly haul based made me buy tons of things I don't need, thereby overspending.
I understand completely, I feel down the rabbit hole of RUclips Hauls and they really normalise it. Sometimes I will do a 'haul' in the sale for items I need, but then I wont buy anything for the rest of the year or even longer! Weekly Hauls is insanity and as you say, don't really fit with most peoples lifestyle or goals.